CHYM - Chime Financial, Inc. Class A Common Stock
Price:
--
--
|
CONSENSUS:
Buy
DETAILS
|
PRICE TARGET:
$39.31
DETAILS
HIGH:
$50.00
LOW:
$28.00
MEDIAN:
$40.00
CONSENSUS:
$39.31
UPSIDE:
40.74%
| Metric | 2026 Q2 | 2026 Q1 | 2025 Q4 | 2025 Q3 | 2025 Q2 | 2025 Q1 | 2024 Q4 | 2024 Q3 | 2024 Q2 | 2024 Q1 | 2023 Q4 | 2023 Q3 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | ||||||||||||
| Revenue | 577.0 | 647.4 | 596.4 | 543.5 | 528.1 | 518.7 | 475.2 | 421.9 | 384.2 | 392.0 | 337.9 | 315.2 |
| Cost of Revenue | 86.7 | 78.9 | 66.1 | 69.4 | 67.1 | 60.4 | 56.0 | 53.5 | 50.5 | 47.4 | 42.2 | 68.8 |
| Gross Profit | 490.2 | 568.5 | 530.2 | 474.1 | 461.0 | 458.3 | 419.2 | 368.4 | 333.7 | 344.5 | 295.7 | 246.4 |
| Operating Expenses | ||||||||||||
| R&D Expenses | 112.1 | 109.8 | 111.3 | 123.9 | 621.8 | 77.9 | 78.9 | 80.4 | 75.4 | 74.9 | 0 | 0 |
| SG&A Expenses | 244.3 | 235.9 | 272.9 | 230.2 | 464.7 | 179.7 | 191.3 | 189.8 | 159.7 | 156.3 | 0 | 0 |
| Other Expenses | 112.5 | 176.6 | 199.8 | 184.7 | 305.2 | 191.6 | 176.2 | 128.8 | 108.1 | 108.3 | 331.6 | 324.7 |
| Operating Expenses | 468.9 | 522.3 | 584.0 | 538.8 | 1,391.7 | 449.2 | 446.3 | 399.0 | 343.2 | 339.5 | 331.6 | 324.7 |
| Operating Income | ||||||||||||
| Operating Income | 21.3 | 46.2 | (53.8) | (64.7) | (930.6) | 9.1 | (27.1) | (30.6) | (9.4) | 5.0 | (35.9) | (78.3) |
| Interest Expense | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profitability | ||||||||||||
| EBITDA | 35.6 | 61.6 | (46.0) | (57.2) | (923.2) | 16.4 | (20.0) | (23.7) | (3.3) | 10.3 | (32.2) | (74.7) |
| EBIT | 28.1 | 53.9 | (53.8) | (64.7) | (930.6) | 9.1 | (27.1) | (30.6) | (9.4) | 5.0 | (35.9) | (78.3) |
| Income Before Tax | 28.1 | 53.9 | (44.7) | (54.4) | (924.4) | 14.5 | (18.9) | (19.8) | 0.5 | 15.5 | (29.8) | (64.9) |
| Income Tax Expense | 0.2 | 0.5 | 0.0 | 0.3 | (1.0) | 1.6 | 0.7 | 2.2 | 0.1 | (0.4) | 3.8 | 3.6 |
| Net Income | 27.9 | 53.5 | (44.8) | (54.7) | (923.4) | 12.9 | (19.6) | (22.0) | 0.4 | 15.9 | (33.5) | (68.5) |
| Per Share Data | ||||||||||||
| EPS (Basic) | 0.07 | 0.14 | -0.12 | -0.15 | -2.49 | 0.20 | -0.05 | -0.06 | – | 0.25 | -0.09 | -0.19 |
| EPS (Diluted) | 0.07 | 0.13 | -0.12 | -0.15 | -2.49 | 0.20 | -0.05 | -0.06 | – | 0.25 | -0.09 | -0.19 |
| Shares Outstanding | 380.7 | 381.6 | 375.9 | 370.8 | 370.8 | 364.4 | 364.4 | 364.4 | 364.4 | 364.4 | 364.4 | 364.4 |
| Metric | 2026 Q2 | 2026 Q1 | 2025 Q4 | 2025 Q3 | 2025 Q2 | 2025 Q1 | 2024 Q4 | 2024 Q1 | 2023 Q4 |
|---|---|---|---|---|---|---|---|---|---|
| Current Assets | |||||||||
| Cash & Cash Equivalents | 536.0 | 607.7 | 466.3 | 445.0 | 868.3 | 318.2 | 337.7 | 800.6 | 239.7 |
| Short-Term Investments | 527.4 | 403.6 | 587.8 | 633.7 | 225.1 | 336.5 | 368.9 | 0 | 560.9 |
| Net Receivables | 287.8 | 294.3 | 329.5 | 346.6 | 343.7 | 341.8 | 316.0 | 0 | 176.5 |
| Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 438.3 | 438.6 | 372.5 | 333.5 | 299.0 | 269.4 | 264.5 | (800.6) | 184.7 |
| Total Current Assets | 1,789.5 | 1,744.3 | 1,756.0 | 1,758.9 | 1,736.1 | 1,265.8 | 1,287.0 | 0 | 1,161.8 |
| Non-Current Assets | |||||||||
| Property, Plant & Equipment | 176.3 | 175.7 | 177.7 | 172.1 | 134.7 | 137.8 | 142.0 | 0 | 157.5 |
| Goodwill | 0 | 0 | 0 | 27.5 | 27.5 | 0 | 0 | 0 | 0 |
| Intangible Assets | 27.5 | 27.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Assets | 3.3 | 2.9 | 30.8 | 3.8 | 4.2 | 32.4 | 32.0 | 0 | 0.9 |
| Total Non-Current Assets | 207.1 | 206.1 | 208.6 | 203.4 | 166.4 | 170.2 | 174.0 | 0 | 158.4 |
| Total Assets | 1,996.6 | 1,950.4 | 1,964.6 | 1,962.3 | 1,902.5 | 1,436.0 | 1,461.0 | 0 | 1,320.3 |
| Current Liabilities | |||||||||
| Account Payables | 36.3 | 37.9 | 38.7 | 40.0 | 51.8 | 37.6 | 35.8 | 0 | 22.1 |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deferred Revenue | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | (36.3) | (146.4) | 245.9 | 214.7 | 202.9 | 181.6 | 215.0 | 0 | 155.2 |
| Total Current Liabilities | 13.0 | 12.1 | 387.9 | 355.9 | 359.7 | 333.5 | 374.8 | 0 | 288.7 |
| Non-Current Liabilities | |||||||||
| Long-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deferred Tax Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Liabilities | 400.6 | 307.6 | 51.7 | 37.3 | 39.9 | 43.0 | 46.1 | (936.5) | 2.2 |
| Total Non-Current Liabilities | 578.8 | 496.8 | 175.0 | 163.1 | 114.7 | 120.4 | 126.7 | (936.5) | 95.1 |
| Total Liabilities | 591.8 | 508.9 | 562.9 | 519.0 | 474.4 | 454.0 | 501.5 | (936.5) | 383.7 |
| Stockholders' Equity | |||||||||
| Common Stock | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0 | 0.0 |
| Retained Earnings | (3,292.8) | (3,320.6) | (3,374.1) | (3,329.3) | (3,274.6) | (2,351.2) | (2,364.2) | 0 | (2,338.8) |
| Accumulated Other Comprehensive Income | (0.5) | (0.9) | 0.2 | (0.1) | (0.1) | 0.3 | 0.2 | (1,953.6) | 0.7 |
| Total Stockholders' Equity | 1,404.8 | 1,441.4 | 1,401.7 | 1,443.3 | 1,428.1 | 982.0 | 959.5 | 936.5 | 936.5 |
| Total Liabilities & Equity | 1,996.6 | 1,950.4 | 1,964.6 | 1,962.3 | 1,902.5 | 1,436.0 | 1,461.0 | 0 | 1,320.3 |
| Debt Metrics | |||||||||
| Total Debt | 130.9 | 132.7 | 134.7 | 137.8 | 87.9 | 91.7 | 96.3 | 0 | 104.9 |
| Net Debt | (405.2) | (474.9) | (331.6) | (307.3) | (780.4) | (226.5) | (241.4) | (800.6) | (134.9) |
| Metric | 2026 Q2 | 2026 Q1 | 2025 Q4 | 2025 Q3 | 2025 Q2 | 2025 Q1 | 2024 Q2 | 2024 Q1 |
|---|---|---|---|---|---|---|---|---|
| Operating Activities | ||||||||
| Net Income | 27.9 | 53.5 | (31.8) | (54.7) | (923.4) | 12.9 | 0.4 | 15.9 |
| Depreciation & Amortization | 7.6 | 7.7 | 7.8 | 7.5 | 7.4 | 7.3 | 6.1 | 5.2 |
| Stock-Based Compensation | 69.4 | 60.7 | (834.2) | 994.9 | 0 | 8.7 | 6.4 | 5.2 |
| Change in Working Capital | 86.2 | (47.8) | (29.4) | (53.8) | (25.9) | (125.3) | (40.8) | 20.4 |
| Other Non-Cash Items | 16.5 | 13.5 | 920.2 | (875.3) | 970.0 | 69.8 | 26.6 | 25.5 |
| Operating Cash Flow | 207.5 | 87.5 | 32.6 | 18.6 | 28.2 | (26.6) | (1.3) | 72.2 |
| Investing Activities | ||||||||
| Capital Expenditure | (9.1) | (7.5) | (15.0) | 4.3 | (5.2) | (4.8) | (2.2) | (2.2) |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Purchases of Investments | (2,942.0) | 0 | 936.8 | (4,048.1) | (195.5) | (38.5) | (139.7) | (149.8) |
| Sales/Maturities of Investments | 2,762.5 | 182.3 | 189.7 | 24 | 307.5 | 72.2 | 177.5 | 146.3 |
| Other Investing Activities | 46.7 | (47.5) | (1,046.3) | 3,596.2 | (34.3) | (22.2) | (37.3) | (2.2) |
| Investing Cash Flow | (141.9) | 127.3 | 54.8 | (423.6) | 72.4 | 6.7 | 0.5 | (5.7) |
| Financing Activities | ||||||||
| Net Debt Issuance | 50 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Stock Repurchased | (136.3) | (85.7) | (77.5) | 0 | 0 | 0 | (0.6) | (0.0) |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Financing Activities | (2.4) | (1.5) | (1.3) | (26.6) | (322.6) | 0 | 0.4 | 0.2 |
| Financing Cash Flow | (86.7) | (73.4) | (65.3) | (18.1) | 450.3 | 0.7 | (0.2) | 0.2 |
| Cash Position | ||||||||
| Net Change in Cash | (21.1) | 141.4 | 22.1 | (423.1) | 551.0 | (19.2) | (1.0) | 66.7 |
| Cash at Beginning | 622.2 | 480.8 | 458.7 | 881.8 | 330.8 | 350 | 306.4 | 239.7 |
| Cash at End | 601.1 | 622.2 | 480.8 | 458.7 | 881.8 | 330.8 | 305.4 | 306.4 |
| Free Cash Flow | 198.4 | 80.0 | 17.6 | 22.9 | 23.0 | (31.4) | (3.6) | 70.0 |
| Key Metrics | 2026 Q2 | 2026 Q1 | 2025 Q4 | 2025 Q3 | 2025 Q2 | 2025 Q1 | 2024 Q4 | 2024 Q3 | 2024 Q2 | 2024 Q1 | 2023 Q4 | 2023 Q3 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||||
| Revenue | 577.0 | 647.4 | 596.4 | 543.5 | 528.1 | 518.7 | 475.2 | 421.9 | 384.2 | 392.0 | 337.9 | 315.2 |
| Gross Profit | 490.2 | 568.5 | 530.2 | 474.1 | 461.0 | 458.3 | 419.2 | 368.4 | 333.7 | 344.5 | 295.7 | 246.4 |
| Operating Income | 21.3 | 46.2 | (53.8) | (64.7) | (930.6) | 9.1 | (27.1) | (30.6) | (9.4) | 5.0 | (35.9) | (78.3) |
| Net Income | 27.9 | 53.5 | (44.8) | (54.7) | (923.4) | 12.9 | (19.6) | (22.0) | 0.4 | 15.9 | (33.5) | (68.5) |
| EPS (Diluted) | 0.07 | 0.13 | -0.12 | -0.15 | -2.49 | 0.20 | -0.05 | -0.06 | – | 0.25 | -0.09 | -0.19 |
| Balance Sheet | ||||||||||||
| Cash & Equivalents | 536.0 | 607.7 | 466.3 | 445.0 | 868.3 | 318.2 | 337.7 | 800.6 | 239.7 | |||
| Total Assets | 1,996.6 | 1,950.4 | 1,964.6 | 1,962.3 | 1,902.5 | 1,436.0 | 1,461.0 | 0 | 1,320.3 | |||
| Total Debt | 130.9 | 132.7 | 134.7 | 137.8 | 87.9 | 91.7 | 96.3 | 0 | 104.9 | |||
| Stockholders' Equity | 1,404.8 | 1,441.4 | 1,401.7 | 1,443.3 | 1,428.1 | 982.0 | 959.5 | 936.5 | 936.5 | |||
| Cash Flow | ||||||||||||
| Operating Cash Flow | 207.5 | 87.5 | 32.6 | 18.6 | 28.2 | (26.6) | (1.3) | 72.2 | ||||
| Capital Expenditure | (9.1) | (7.5) | (15.0) | 4.3 | (5.2) | (4.8) | (2.2) | (2.2) | ||||
| Free Cash Flow | 198.4 | 80.0 | 17.6 | 22.9 | 23.0 | (31.4) | (3.6) | 70.0 | ||||